buying using pay pal

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I bought a item using the paypal buy it now but the seller was then later removed from eBay and my payment had already gone through. When i contacted paypal and explained what had happened they investegated and agreed i could have a refund but then went on to explain that as the seller had no funds available in his paypal account they could not refund any money. As the seller had been removed from eBay it was unlikely he was going to leave money in that account. I would like people to be aware that paying through pay pal does not always mean if something goes wrong you will get your money returned as a lot of people believe they will. 
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